What are the current interest rates at Picatinny Federal Credit Union?

Current rates for Picatinny Federal Credit Union include: 12-Month CD: 3.61%, 18-Month CD: 3.66%, 24-Month CD: 3.56%, 60-Month CD: 3.56%, MMA: 0.35%

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Picatinny Federal Credit Union

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Picatinny Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Picatinny Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Picatinny Federal Credit Union's top rates as of October 12, 2026 are 3.66% APY on its 18 month IRA CD, 0.35% APY on money market accounts, 5.62% on its Fixed Mortgage, personal loans from 8.99% APR, and credit cards from 15.24% APR, according to rates verified by MonitorBankRates. Other Picatinny Federal Credit Union CD rates include 18 month CD at 3.66%, 12 month IRA CD at 3.61%, and 12 month CD at 3.61%. Other Picatinny Federal Credit Union mortgage rates include Fixed Mortgage at 5.75%, Fixed Mortgage at 5.88%, and Fixed Mortgage at 5.75%. MonitorBankRates evaluates the financial stability of Picatinny Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.83%. Rates last updated and verified on 10/12/2026.

Picatinny Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Picatinny Federal Credit Union? Share your experience about Picatinny Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Picatinny Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Picatinny Federal Credit Union
Rockaway Office

100 Mineral Springs RD
Dover, NJ 07801

https://www.picacreditunion.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Picatinny Federal Credit Union CD Rates

Product	Rate	APY	Term
18 month IRA share certificate	3.60%	3.66%	18 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
18 month share certificate	3.60%	3.66%	18 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
12 month IRA share certificate	3.55%	3.61%	12 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
12 month share certificate	3.55%	3.61%	12 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
24 month IRA share certificate	3.50%	3.56%	24 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
24 month share certificate	3.50%	3.56%	24 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
36 month IRA share certificate	3.50%	3.56%	36 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
36 month share certificate	3.50%	3.56%	36 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
48 month IRA share certificate	3.50%	3.56%	48 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
48 month share certificate	3.50%	3.56%	48 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
60 month IRA share certificate	3.50%	3.56%	60 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
60 month share certificate	3.50%	3.56%	60 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
6 month share certificate	3.44%	3.50%	6 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.349%	0.35%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Money Market	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Money Market	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Mortgage	5.75%	-	6.073%	10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.07% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	5.875%	-	6.105%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	5.75%	1	6.131%	15 years
Details 1 point Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	5.625%	1	6.161%	10 years
Details 1 point Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
3/1 Year ARM Mortgage	5.625%	-	6.178%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
5/1 Year ARM Mortgage	5.875%	-	6.20%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
7/1 Year ARM Mortgage	6.00%	-	6.229%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.23% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
10/1 Year ARM Mortgage	6.125%	-	6.287%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	6.125%	1	6.435%	20 years
Details 1 point Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	6.25%	-	6.439%	20 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	6.375%	1	6.614%	30 years
Details 1 point Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.61% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Fixed Mortgage	6.50%	-	6.647%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC First Lien	-	-	6.75%	30 years
Details As Low As; $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV; 15 year draw down period \| 15 year repayment period Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 25, 20266.75%▲ from 6.50% Sep 16, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Home Equity HELOC First Lien	-	-	6.75%	30 years
Details As Low As; $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV; 15 year draw period; 15 year repayment period Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Home Equity HELOCs	-	-	6.75%
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
HELOC Second Lien	-	-	7.00%	30 years
Details As Low As; $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV; 15 year draw down period \| 15 year repayment period Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 25, 20267.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
HELOC LTV/CLTV >80%	-	-	8.25%	30 years
Details As Low As; $20,000 minimum/$250,000 maximum; LTV/CLTV>80% to 100%; 15 year draw down period followed by 15 year repayment period Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Sep 25, 20268.25%▲ from 8.00% Sep 16, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.99%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle (car, truck, van) Loan	-	-	4.99%	up to 36 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle Auto Loan	-	-	4.99%
Details As Low As; auto loan rates as low as 4.99% APR for new vehicles Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle (car, truck, van) Loan	-	-	5.00%	up to 48 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle (car, truck, van) Loan	-	-	5.25%	up to 60 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle (car, truck, van) Loan	-	-	5.50%	up to 72 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 5.50% ▼ 0.50 pts · high 6.00% / low 5.50% Sep 25, 20265.50%▼ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Vehicle (car, truck, van) Loan	-	-	5.50%	up to 48 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Auto	-	-	5.74%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Vehicle (car, truck, van) Loan	-	-	5.74%	up to 36 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Vehicle (car, truck, van) Loan	-	-	5.75%	up to 60 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle (car, truck, van) Loan	-	-	5.875%	up to 84 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.25% → 5.88% ▼ 1.38 pts · high 7.25% / low 5.88% Sep 25, 20265.88%▼ from 7.25% Sep 16, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Vehicle (car, truck, van) Loan	-	-	5.875%	up to 72 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.50% → 5.88% ▼ 0.63 pts · high 6.50% / low 5.88% Sep 25, 20265.88%▼ from 6.50% Sep 16, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
First Time Buyers Auto Loan	-	-	6.25%	up to 60 months
Details Flexible terms of 36, 48 or 60 months; new or pre-owned vehicles up to 10 years old; maximum loan is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Vehicle (car, truck, van) Loan	-	-	6.25%	up to 84 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.00% → 6.25% ▼ 1.75 pts · high 8.00% / low 6.25% Sep 25, 20266.25%▼ from 8.00% Sep 16, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Vehicle (car, truck, van) Loan	-	-	6.75%	up to 96 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.75% → 6.75% ▼ 1.00 pts · high 7.75% / low 6.75% Sep 25, 20266.75%▼ from 7.75% Sep 16, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.74%	up to 36 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Motorcycle Loan	-	7.865%	up to 48 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
New Motorcycle Loan	-	7.99%	up to 60 months
Details As Low As; Maximum: up to 100% of purchase price, including sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Motorcycle Loan	-	7.99%	up to 36 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Motorcycle Loan	-	8.125%	up to 48 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.13% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Used Motorcycle Loan	-	8.25%	up to 60 months
Details As Low As; Maximum: loan not to exceed J D Powers Clean Retail value sales tax Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Credit Card Rates

Product	Rate	APR
Premium Rewards Credit Card	-	15.24%
Details Intro APR: 0% for 12 months; Intro rate expires: 12 months; Regular APR: 15.24% - 18.00%; 0% APR on purchases and balance transfers for new cardholders; No annual fee; No balance transfer charge; Earn 20,000 reward points after spending $1,000 within 60 days of account opening Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 15.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Credit Cards	-	15.49%
Details As Low As Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24% Sep 25, 202615.49%▲ from 15.24% Sep 16, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Premium Rewards Visa Credit Card	-	15.49%
Details As Low As; Rates as of 9/18/26 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24% Sep 25, 202615.49%▲ from 15.24% Sep 16, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.99%	up to 24 months
Details Maximum: total not to exceed $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	9.49%	Up to 24 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Personal Loan	10.24%	up to 36 months
Details Maximum: total not to exceed $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	10.74%	up to 36 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Personal Loan	11.24%	up to 48 months
Details Maximum: total not to exceed $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	11.74%	up to 48 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Personal Loan	12.24%	up to 60 months
Details Maximum: total not to exceed $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	12.74%	up to 60 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Personal Loan	13.24%	up to 72 months
Details Maximum: total not to exceed $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	14.49%	up to 72 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	14.99%	up to 84 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	15.49%	up to 96 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 15.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Debt Consolidation Loan	16.49%	up to 120 months
Details Maximum: total not to exceed $40,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 16.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Picatinny Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Short Term Loan	-	-	11.50%
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Special Occasion	0.03%	-	0.03%
Min Deposit $5 Details Special Occasion (min. $5.00) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Picatinny Federal Credit Union’s Texas Ratio rose from 2.26% in Q3 2023 to 3.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$459M	3.83%	5.0	A+
March 31, 2026	$454M	1.77%	5.0	A+
December 31, 2025	$465M	3.93%	5.0	A+
September 30, 2025	$463M	2.60%	5.0	A+
June 30, 2025	$449M	4.22%	5.0	A+
March 31, 2025	$476M	4.94%	5.0	A+
December 31, 2024	$447M	4.80%	5.0	A+
September 30, 2024	$442M	4.29%	5.0	A+
June 30, 2024	$443M	2.63%	5.0	A+
March 31, 2024	$458M	3.33%	5.0	A+
December 31, 2023	$463M	3.20%	5.0	A+
September 30, 2023	$459M	2.26%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Picatinny Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Picatinny Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Picatinny Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Picatinny Federal Credit Union

Website https://www.picacreditunion.com

Address 100 Mineral Springs RD, Dover, NJ 07801

Phone 973-361-5225

Fax 973-361-8850

President Joe Shiposh

CEO Rob Albrecht

Full-Time Employees 59

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.83%

Return on Assets (ROA)

0.2501%

Return on Equity (ROE)

2.6556%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

459,117,038

Total Amount of Shares and Deposits

401,816,957

Total Shares and Deposits < 1 Year

379,474,489

Total Shares and Deposits 1 3 Years

19,753,544

Total Shares and Deposits > 3 Years

2,588,924

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

41,396,819

Total Uninsured Shares and Deposits > $250K (F+J)

41,396,819

Total Insured Shares and Deposits > $250K (item 17 less item K)

360,420,138

Total Interest Expense (Sum of items 6 8)

1,916,314

Share Certificates

2,515

Number of Accounts for Share Drafts

12,596

IRA KEOGH Accounts

730

Number of Accounts for Regular Shares

20,636

Money Market Shares

369

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

104,720,249

Total Liabilities

417,120,311

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Picatinny Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Picatinny Federal Credit Union

How many branches does Picatinny Federal Credit Union operate?

Picatinny Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Picatinny Federal Credit Union?

Yes, to access services at Picatinny Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Picatinny Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Picatinny Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Picatinny Federal Credit Union offer online and mobile banking?

Most modern institutions like Picatinny Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.picacreditunion.com.

Current Picatinny Federal Credit Union Rates

12-Month CD3.61%
18-Month CD3.66%
24-Month CD3.56%
60-Month CD3.56%
MMA0.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Picatinny Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Picatinny Federal Credit Union Texas Ratio

Picatinny Federal Credit Union Health Trend

Picatinny Federal Credit Union CD Rates

Picatinny Federal Credit Union Money Market Rates

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Picatinny Federal Credit Union Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Picatinny Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Picatinny Federal Credit Union

How many branches does Picatinny Federal Credit Union operate?

Is a member application needed to join Picatinny Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Picatinny Federal Credit Union offer online and mobile banking?

Current Picatinny Federal Credit Union Rates

Compare to Other Credit Unions